Codington County, SD
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 44.97, -97.20.
Assembled 2026-10-19. Read the brief.
- 77th pct · 693rd of 3,063 US counties · median $230,451
- 83rd pct · 9th of 50 South Dakota counties · median $251,658
- 53rd pct · 1,420th of 3,062 US counties · median +2.9%
- 51st pct · 25th of 50 South Dakota counties · median +3.1%
- 20th pct · 1,076th of 1,358 US counties · median $1,506
- 20th pct · 9th of 11 South Dakota counties · median $1,275
- 67th pct · 1,040th of 3,221 US counties · median 8,232
- 92nd pct · 6th of 66 South Dakota counties · median 1,825
- 58th pct · 1,341st of 3,221 US counties · median $1,039
- 81st pct · 13th of 66 South Dakota counties · median $978
- 79th pct · 634th of 3,063 US counties · median 4.2
- 87th pct · 7th of 50 South Dakota counties · median 4.8
Typical home value divided by the average annual wage of one covered job.
A percentile here is a min-max scaling of average rank: the smallest published value in the cohort is 0 and the largest is 100, and tied values share the average of the ranks they span. It is not the share of entities below the value, so 0 means smallest, not none below. Entities that did not publish the metric are outside the cohort entirely and are counted in neither the rank nor its denominator.
Home values #
Typical home $335,543 (Sep 2026), +3.1% over one year, +18.2% over five
- 77th pct · 693rd of 3,063 US counties · median $230,451
- 83rd pct · 9th of 50 South Dakota counties · median $251,658
| Item | Value | Distance |
|---|---|---|
| Codington County, SD | $335,543 · +3.1% 1-yr |
Zillow Home Value Index (ZHVI), typical value of homes in the 35th to 65th percentile, smoothed and seasonally adjusted; a model estimate of value, not a sale price. Data through Zillow Research.
Rents #
Typical rent $1,196/mo (Sep 2026), n/a over one year; price-to-rent 23.4
- 20th pct · 1,076th of 1,358 US counties · median $1,506
- 20th pct · 9th of 11 South Dakota counties · median $1,275
| Item | Value | Distance |
|---|---|---|
| Codington County, SD | $1,196/mo · n/a 1-yr |
Zillow Observed Rent Index (ZORI), smoothed, all homes and multifamily; price-to-rent = typical home / (typical rent × 12).
What the typical home costs to carry #
Principal and interest of $1,859 a month on $335,543 at 7.40%, against an average weekly wage worth $4,676 a month: 39.8% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $335,543 × 80% = $268,435, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,859/mo principal and interest
- wage share = payment / (avg weekly wage $1,079 × 52 / 12 = $4,676) = 40% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $335,543 / ($1,079 × 52) = 6.0
- price-to-rent = $335,543 / ($1,196 × 12) = 23.4
The wage is one covered job’s average, not a household’s income, so this is the share of a single paycheque and not a mortgage underwriting ratio.
Estimate. Principal and interest on the typical home with 20% down over 30 years at this week's Freddie Mac average rate; compared with the average weekly wage of all jobs covered by unemployment insurance in the area (BLS QCEW), which is pay per job, not household income.
Jobs & wages #
17,043 jobs at 1,423 employers (2026 Q1); +0.9% jobs and +4.5% average weekly wage over the year
- 67th pct · 1,040th of 3,221 US counties · median 8,232
- 92nd pct · 6th of 66 South Dakota counties · median 1,825
| Item | Value | Distance |
|---|---|---|
| Codington County, SD | 17,043 jobs · $1,079/wk · +0.9% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 3,374 | $1,288 | 2.46 | +4.0% |
| Retail trade | 2,520 | $751 | 1.52 | -1.1% |
| Health care and social assistance | 1,995 | $1,244 | 0.78 | +1.6% |
| Accommodation and food services | 1,534 | $391 | 1.00 | -2.7% |
| Construction | 981 | $1,344 | 1.10 | +1.6% |
| Wholesale trade | 951 | $1,394 | 1.46 | -0.7% |
| Finance and insurance | 644 | $1,909 | 0.93 | -3.2% |
| Transportation and warehousing | 526 | $907 | 0.73 | +1.7% |
| Other services | 488 | $777 | 0.96 | -3.0% |
| Professional and technical services | 431 | $1,447 | 0.37 | +8.8% |
| Arts, entertainment and recreation | 185 | $386 | 0.66 | +11.4% |
| Real estate and rental | 99 | $698 | 0.38 | -1.0% |
BLS Quarterly Census of Employment and Wages, all ownerships, total covered employment in the quarter's third month; over-the-year changes as published. Suppressed cells stay blank.
Drought #
D1 moderate drought
Sites found: 5, searched within 0 km of this place’s internal point. That is a disc around a point, not the area itself: sites outside the boundary are included, and sites inside it further than 0 km away are not.
US Drought Monitor current week; the highest class of any polygon containing the point.
Reservoirs #
No reservoir gauges within 150 km (or the camera is above the gauge altitude)
Sites found: 0, searched within 150 km of this place’s internal point. That is a disc around a point, not the area itself: sites outside the boundary are included, and sites inside it further than 150 km away are not.
Σ(capacity × percent full) / Σ capacity over TWDB reservoirs within 150 km. Texas only; elsewhere USGS reservoir elevation/storage is listed without a capacity to normalise by.
Stream gauges #
21 gauges · 0 flooding · 0 with quality panels · 6 stale
Sites found: 21, searched within 75 km of this place’s internal point. That is a disc around a point, not the area itself: sites outside the boundary are included, and sites inside it further than 75 km away are not.
| Site | Reading | Distance |
|---|---|---|
| USGS-06479450 | flow 30.0 ft³/s · STALE | 3 km |
| USGS-06479452 | stage 18.5 ft | 4 km |
| USGS-06479500 | flow 1.79 ft³/s | 5 km |
| USGS-06479438 | flow 4.06 ft³/s | 5 km |
| USGS-06479449 | stage 17.4 ft | 6 km |
| USGS-06479498 | stage 0.30 ft | 7 km |
| USGS-06479430 | flow 0.93 ft³/s · STALE | 8 km |
| USGS-06479490 | stage 7.64 ft | 9 km |
| USGS-06479512 | stage 5.06 ft | 11 km |
| USGS-06479515 | stage 5.66 ft | 13 km |
USGS latest readings screened against EPA freshwater criteria (DO ≥ 5 mg/L, pH 6.5–9, conductance, turbidity, temperature); NWS flood categories where a NWPS gauge is co-located.
Groundwater #
6 wells in 0 named aquifers:
Sites found: 6, searched within 75 km of this place’s internal point. That is a disc around a point, not the area itself: sites outside the boundary are included, and sites inside it further than 75 km away are not.
| Site | Reading | Distance |
|---|---|---|
| USGS-450905097072202 | depth 25.5 ft · 2002-09-17 | 21 km |
| USGS-451605097071701 | depth 88.6 ft · 2026-10-18 | 34 km |
| USGS-452115097110601 | depth 13.4 ft · 2026-10-18 | 43 km |
| USGS-452304097083901 | depth 12.8 ft · 2026-10-18 | 47 km |
| USGS-451848096363501 | depth 25.9 ft · 2026-10-18 | 60 km |
| USGS-453515097083801 | depth 4.85 ft · 2026-10-18 | 69 km |
USGS latest daily water levels. A single latest reading says where the table is, not which way it is moving; select a well for its 365-day trace.
Water stress #
moderate (0.25)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.25 / 0.35
Banks & federal dollars #
$1.6 bn in deposits at 14 offices of 10 banks (SOD June 2026); HHI 1,416, moderately concentrated. $202.2 m federal obligations in FY2026 (direct payments $190.5 m, grants $10.9 m), $11,866 per covered job
| Item | Value | Distance |
|---|---|---|
| Reliabank Dakota | $377.0 m · 23.8% share · 2 offices | |
| Dacotah Bank | $245.8 m · 15.5% share · 1 office | |
| First PREMIER Bank | $182.8 m · 11.5% share · 3 offices | |
| Codington, SD | $202.2 m FY2026 · $11,866/job | |
| MULTIPLE RECIPIENTS | $160.5 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Reliabank Dakota | $377,023,000 | 23.8% | 2 |
| Dacotah Bank | $245,800,000 | 15.5% | 1 |
| First PREMIER Bank | $182,779,000 | 11.5% | 3 |
| First Interstate Bank | $179,552,000 | 11.3% | 2 |
| Plains Commerce Bank | $168,825,000 | 10.6% | 1 |
| American Bank & Trust | $159,405,000 | 10.0% | 1 |
| Wells Fargo Bank, National Association | $158,132,000 | 10.0% | 1 |
| First Bank & Trust | $96,523,000 | 6.1% | 1 |
| Minnwest Bank | $17,852,000 | 1.1% | 1 |
| Cornerstone Bank | $1,517,000 | 0.1% | 1 |
Deposit concentration is 1,416 across 10 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 10 banks with deposits in the county = 23.8² + 15.5² + 11.5² + … (7 more) = 1,416
FDIC Summary of Deposits: deposits at every insured office as of June 30, annual; HHI is the sum of squared county deposit shares (DOJ 1995 bank merger screen: 1000 / 1800). USAspending: obligations by place of performance for the latest complete federal fiscal year (Oct 1 to Sep 30), what agencies committed, not what they paid out; recipients are legal entities. Per-job divides obligations by BLS QCEW covered employment.
Federal obligations #
USAspending place-of-performance obligations for FY2026, by awarding agency.
| Awarding agency | Obligations |
|---|---|
| Social Security Administration | $142,543,745 |
| Department of Veterans Affairs | $17,158,563 |
| Department of Transportation | $15,128,379 |
| Department of Agriculture | $14,139,167 |
| Department of the Interior | $4,373,429 |
| Department of Education | $4,015,678 |
| Department of Housing and Urban Development | $2,331,482 |
| Department of Commerce | $812,200 |
| Railroad Retirement Board | $573,706 |
| Department of Energy | $419,440 |
| Department of Defense | $303,306 |
| Department of Health and Human Services | $259,433 |
That is $11,866 per covered job, against 17,043 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $202.2 m / 17,043 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $11,866
USAspending obligations are recorded where the work is performed, so a prime award performed here is counted here even when the recipient is headquartered elsewhere. Recipients are legal entities, never people.
National context, not this county #
These are United States, single-gauge, single-state and port series. None of them is keyed to this county.
| Series | Latest | As of | Change |
|---|---|---|---|
| Mississippi River at Memphis, stage · ft | not published | not published | |
| Mississippi River at St. Louis, stage · ft | not published | not published | |
| Ohio River at Louisville, stage · ft | 17.95 | 2026-10-18 | -2.6% |
| Missouri River at St. Joseph, stage · ft | not published | not published | |
| Colorado River below Hoover Dam, flow (Hoover releases) · ft³/s | 5,170.00 | 2026-02-05 | -25.3% |
| Texas reservoirs, statewide percent full · % | 72.20 | 2026-10-19 | +0.0% |
| Laredo truck crossings, monthly · trucks | 258,700.00 | 2026-08-01 | -0.4% |
| Los Angeles + Long Beach container volume, annual · TEU | 10,513,167.00 | 2023-01-01 | -13.5% |
| Containerships waiting for a berth, all US ports · ships | 7.00 | 2026-10-13 | +133.3% |
| Shanghai to Los Angeles container rate · $ per 40 ft box | 7,848.00 | 2026-09-01 | +14.9% |
| US diesel retail price · $ per gallon | unavailable | not published | |
| WTI crude oil, spot · $ per barrel | 101.91 | 2026-10-14 | +1.0% |
| 30-year fixed mortgage rate · % | 7.40 | 2026-10-15 | +0.0% |
| Housing starts, annual rate · thousands of units | 1,275.00 | 2026-08-01 | -2.6% |
| Building permits, annual rate · thousands of units | 1,403.00 | 2026-08-01 | -2.1% |
| Case-Shiller US home price index · index, Jan 2000 = 100 | 337.31 | 2026-07-01 | +0.1% |
| Unemployment rate · % | 4.20 | 2026-09-01 | +2.4% |
| US goods and services trade balance, monthly · $ millions | -105,572.00 | 2026-08-01 | -13.7% |
| Retail sales excluding food services, monthly · $ millions | 652,115.00 | 2026-09-01 | +0.7% |
The indicator registry has no county-keyed series and no geographic selection: every entry is national, a named gauge, a single state or a port. They are here as the backdrop the county's own numbers move against, and they are never this county's readings.
What changed #
Codington County, SD: 8 findings, 8 noted
noteCodington County, SD's average weekly wage was 4.5% higher than the same quarter a year earlier in 2026 Q1, on BLS QCEW's published over-the-year change.
Period 2026 Q1.Show the arithmetic
- +4.5 % = BLS QCEW over-the-year percent change for 2026 Q1, as published
- the newest QCEW file carries no year-earlier level, so no move from one level to another is printed
BLS QCEW over-the-year percent change, as published
noteCodington County, SD's covered employment was 0.9% higher than the same quarter a year earlier in 2026 Q1, on BLS QCEW's published over-the-year change.
Period 2026 Q1.Show the arithmetic
- +0.9 % = BLS QCEW over-the-year percent change for 2026 Q1, as published
- the newest QCEW file carries no year-earlier level, so no move from one level to another is printed
BLS QCEW over-the-year percent change, as published
noteCodington County, SD's typical asking rent rose 0.6% from $1,188 in August 2026 to $1,196 in September 2026, on Zillow ZORI.
Period 2026-09.Show the arithmetic
- +0.6% = (1195.611111111111 - 1188.4434988821367) / 1188.4434988821367 × 100
- 1195.611111111111 = Zillow ZORI, 2026-09
- 1188.4434988821367 = Zillow ZORI, 2026-08
noteCodington County, SD's typical home value fell 0.3% from $336,407 in August 2026 to $335,543 in September 2026, on Zillow ZHVI.
Period 2026-09.Show the arithmetic
- -0.3% = (335543.38513610914 - 336407.1942222873) / 336407.1942222873 × 100
- 335543.38513610914 = Zillow ZHVI, 2026-09
- 336407.1942222873 = Zillow ZHVI, 2026-08
noteCodington County, SD's covered employment of 17,043 ranks 6th of 66 South Dakota counties, against a median of 1,825.
Period 2026 Q1.Show the arithmetic
- 92 on the 0-to-100 scale across 66 South Dakota counties that published jobs.emp
position among the entities that published this metric this period; not an official level
Read all 8 findings in the full brief
Every finding is produced by a fixed rule table and a fixed sentence for each rule. Nothing here is generated prose.